Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·46 days on market

14 Powder Hill Lane

Palm Coast, FL 32164

$399,900$222/sqftEst. $2,058/moMLS# 2153093

Beds

Baths

1,800

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

Under Construction. Ask agent about the exceptional incentives!! NO ORIGINATION FEES - NO APPLICATION FEES, With our approved lender & $31,000 UPGRADES INCLUDED!! Welcome to This brand-new construction home where every detail has been thoughtfully crafted to offer elegance, comfort, and a modern lifestyle. From the moment you arrive, you'll be impressed by the striking 8-foot designer front door, which sets the tone for a home filled with sophistication, Luxury floating LVP flooring. Natural light pours through the front windows, bringing warmth into the heart of the home. The indoor space blends seamlessly with the outdoors thanks to a large 8-foot sliding glass door that opens to the covered lanai-perfect for enjoying the weather year-round. Soaring 9'4'' ceilings enhance the feeling of spaciousness, while decorative finishes and Riverside-style doors add a refined touch. Designer lighting accentuates the open floor plan, creating a stylish and inviting atmosphere. The kitchen is a

Cost to own

Mortgage calculator

Home Price

$399,900

Down Payment: 20%

$79,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,058

Principal & Interest: $2,058

Insurance (est.): $267

Estimated Total Monthly

$2,325

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.67% · 30yr$2,058

Estimated total, before insurance$2,058/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Palm Coast - building count > 0 within city limits · Public water (record)

County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,638 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History